Helsana in the canton of St. Gallen — 2026 premiums
Helsana covers the 75 municipalities of the canton of St. Gallen. Its lowest adult premium there is CHF 441.80 a month, with a 300-franc deductible and accident cover included.
Where it stands
Helsana ranks 7 out of 25 active insurers in the canton of St. Gallen, cheapest to dearest.
The cantonal average across all insurers is CHF 457.90 a month.
What switching would save you
Moving from Helsana to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 482.40 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of St. Gallen
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 1 | 8 | Gaiserwald, Gossau (SG), Niederbüren, Niederhelfenschwil | CHF 483.60 |
| 2 | 44 | Amden, Andwil (SG), Au (SG), Bad Ragaz | CHF 458.60 |
| 3 | 23 | Altstätten, Balgach, Berneck, Bütschwil-Ganterschwil | CHF 441.80 |
The models offered by Helsana
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| Other model — BeneFit PLUS Telmed | CHF 483.60 |
| Family doctor — BeneFit PLUS Hausarzt R2 | CHF 483.60 |
| Free choice of doctor — Grundversicherung | CHF 569.00 |
The other insurers in the canton of St. Gallen
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 401.60 | View |
| SWICA Assurance-maladie SA | CHF 431.30 | View |
| KPT Caisse-maladie SA | CHF 431.80 | View |
| Galenos AG | CHF 434.40 | View |
| Assura-Basis SA | CHF 435.10 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 441.10 | View |
| Atupri Assurance de la santé SA | CHF 443.10 | View |
| CSS Assurance-maladie SA | CHF 444.40 | View |
| sana24 AG | CHF 444.80 | View |
| Sanitas Grundversicherungen AG | CHF 445.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 447.10 | View |
| Aquilana Versicherungen | CHF 447.80 | View |
| Vivao Sympany SA | CHF 448.90 | View |
| EGK Grundversicherungen AG | CHF 454.50 | View |
| Sumiswalder Krankenkasse | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel Assurance | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir Assurance | CHF 471.40 | View |
| Genossenschaft Glarner Krankenversicherung | CHF 490.50 | View |
| Visana AG | CHF 505.00 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 506.80 | View |
| Philos Assurance | CHF 512.50 | View |
| Einsiedler Krankenkasse | CHF 525.95 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.